Vibrant Credit Union Mortgage Lending & HMDA Data, 2021
In 2021, Vibrant Credit Union of Moline, IL reported 1,163 mortgage applications totaling $179.0 million, down 32% from 2020. The average application was for $153,942, and applicants reported an average income of $99,046. 92% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Davenport-Moline-Rock Island, IA-IL (831), Danville, IL (46) and Chicago-Naperville, IL (30) (applications in parentheses).
| Mortgage Company & Address | Vibrant Credit Union 1900 52nd Ave Moline, IL 61265 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,163 |
| Total Mortgage Loan Application Amount | $179,035,000 |
| Average Mortgage Loan Application Amount | $153,942 |
| Highest Mortgage Loan Application Amount | $2,255,000 |
| Average Applicant Income | $99,046 |
| Highest Applicant Income | $1,580,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Vibrant Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Davenport-Moline-Rock Island, IA-IL | 831 | $ 114,045,000 | $ 137,238 | $ 89,042 |
| Outside any metro area | 108 | $ 16,520,000 | $ 152,962 | $ 108,981 |
| Danville, IL | 46 | $ 3,500,000 | $ 76,086 | $ 52,000 |
| Chicago-Naperville, IL | 30 | $ 8,560,000 | $ 285,333 | $ 194,000 |
| Des Moines-West Des Moines, IA | 20 | $ 4,060,000 | $ 203,000 | $ 110,000 |
| Cedar Rapids, IA | 11 | $ 2,065,000 | $ 187,727 | $ 117,000 |
| Iowa City, IA | 8 | $ 1,650,000 | $ 206,250 | $ 121,000 |
| Lafayette-West Lafayette, IN | 7 | $ 595,000 | $ 85,000 | $ 62,000 |
| Peoria, IL | 5 | $ 885,000 | $ 177,000 | $ 102,000 |
| Tampa-St. Petersburg-Clearwater, FL | 5 | $ 1,885,000 | $ 377,000 | $ 133,000 |
| Elgin, IL | 4 | $ 470,000 | $ 117,500 | $ 135,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 4 | $ 830,000 | $ 207,500 | $ 146,000 |
| Phoenix-Mesa-Scottsdale, AZ | 4 | $ 2,510,000 | $ 627,500 | $ 229,000 |
| Ames, IA | 3 | $ 595,000 | $ 198,333 | $ 104,000 |
| Dubuque, IA | 3 | $ 405,000 | $ 135,000 | $ 114,000 |
| Knoxville, TN | 3 | $ 905,000 | $ 301,666 | $ 112,000 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 465,000 | $ 155,000 | $ 78,000 |
| Waterloo-Cedar Falls, IA | 3 | $ 655,000 | $ 218,333 | $ 123,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 3 | $ 1,675,000 | $ 558,333 | $ 266,000 |
| Baltimore-Columbia-Towson, MD | 2 | $ 830,000 | $ 415,000 | $ 139,000 |
| Daphne-Fairhope-Foley, AL | 2 | $ 480,000 | $ 240,000 | $ 248,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 580,000 | $ 290,000 | $ 73,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 750,000 | $ 375,000 | $ 216,000 |
| Houston-The Woodlands-Sugar Land, TX | 2 | $ 620,000 | $ 310,000 | $ 163,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 430,000 | $ 215,000 | $ 128,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 200,000 | $ 100,000 | $ 58,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 530,000 | $ 265,000 | $ 126,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 530,000 | $ 265,000 | $ 114,000 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 920,000 | $ 460,000 | $ 248,500 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 230,000 | $ 115,000 | $ 82,500 |
| Springfield, IL | 2 | $ 280,000 | $ 140,000 | $ 175,000 |
| St. Louis, MO-IL | 2 | $ 390,000 | $ 195,000 | $ 86,000 |
| Albany, GA | 1 | $ 105,000 | $ 105,000 | $ 55,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 375,000 | $ 375,000 | $ 190,000 |
| Amarillo, TX | 1 | $ 375,000 | $ 375,000 | $ 179,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 175,000 | $ 175,000 | $ 205,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 1,105,000 | $ 1,105,000 | $ 1,580,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 445,000 | $ 445,000 | $ 371,000 |
| Cleveland-Elyria, OH | 1 | $ 175,000 | $ 175,000 | $ 105,000 |
| Columbus, OH | 1 | $ 175,000 | $ 175,000 | $ 70,000 |
| Dothan, AL | 1 | $ 205,000 | $ 205,000 | $ 132,000 |
| Fort Collins, CO | 1 | $ 355,000 | $ 355,000 | $ 214,000 |
| Harrisburg-Carlisle, PA | 1 | $ 365,000 | $ 365,000 | $ 141,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 295,000 | $ 295,000 | $ 78,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 235,000 | $ 235,000 | $ 93,000 |
| Jackson, TN | 1 | $ 55,000 | $ 55,000 | $ 59,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 185,000 | $ 185,000 | $ 48,000 |
| Memphis, TN-MS-AR | 1 | $ 145,000 | $ 145,000 | $ 104,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 305,000 | $ 305,000 | $ 201,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 25,000 | $ 25,000 | $ 68,000 |
| New Haven-Milford, CT | 1 | $ 255,000 | $ 255,000 | $ 106,000 |
| New York-Newark, NY | 1 | $ 35,000 | $ 35,000 | $ 175,000 |
| Niles-Benton Harbor, MI | 1 | $ 145,000 | $ 145,000 | $ 59,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 395,000 | $ 395,000 | $ 140,000 |
| Punta Gorda, FL | 1 | $ 265,000 | $ 265,000 | $ 96,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 405,000 | $ 405,000 | $ 881,000 |
| Roanoke, VA | 1 | $ 245,000 | $ 245,000 | $ 150,000 |
| Rochester, NY | 1 | $ 125,000 | $ 125,000 | $ 80,000 |
| Rockford, IL | 1 | $ 75,000 | $ 75,000 | $ 65,000 |
| Salisbury, MD-DE | 1 | $ 125,000 | $ 125,000 | $ 204,000 |
| San Diego-Carlsbad, CA | 1 | $ 165,000 | $ 165,000 | $ 621,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 1,265,000 | $ 1,265,000 | $ 233,000 |
| Sebastian-Vero Beach, FL | 1 | $ 245,000 | $ 245,000 | $ 147,000 |
| Sioux City, IA-NE-SD | 1 | $ 215,000 | $ 215,000 | $ 48,000 |
| Terre Haute, IN | 1 | $ 45,000 | $ 45,000 | $ 31,000 |
| Toledo, OH | 1 | $ 175,000 | $ 175,000 | $ 124,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 355,000 | $ 355,000 | $ 149,000 |
Mortgage Loan Application Detail Totals for Vibrant Credit Union in 2021
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 467 | $63,825,000 | $136,000 | $1,605,000 | $98,000 | $926,000 |
| Home Purchase | 348 | $63,630,000 | $182,000 | $2,255,000 | $99,000 | $1,580,000 |
| Refinancing | 329 | $49,075,000 | $149,000 | $725,000 | $100,000 | $676,000 |
| Home Improvement | 11 | $1,955,000 | $177,000 | $355,000 | $115,000 | $202,000 |
| Other Purpose | 8 | $550,000 | $68,000 | $125,000 | $101,000 | $211,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 918 | $140,540,000 | $153,000 | $2,255,000 | $100,000 | $1,580,000 |
| Not Provided | 116 | $20,620,000 | $177,000 | $1,265,000 | $109,000 | $881,000 |
| Hispanic | 57 | $7,095,000 | $124,000 | $325,000 | $84,000 | $347,000 |
| Black or African American | 34 | $3,510,000 | $103,000 | $305,000 | $74,000 | $194,000 |
| Asian | 14 | $2,610,000 | $186,000 | $385,000 | $91,000 | $216,000 |
| American Indian or Alaskan Native | 6 | $970,000 | $161,000 | $225,000 | $90,000 | $143,000 |
| Not applicable | 4 | $910,000 | $227,000 | $685,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $155,000 | $155,000 | $155,000 | $68,000 | $68,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,150 | $176,880,000 | $153,000 | $2,255,000 | $100,000 | $1,580,000 |
| FHA-insured (Federal Housing Administration) | 9 | $1,455,000 | $161,000 | $275,000 | $49,000 | $75,000 |
| VA-guaranteed (Veterans Administration) | 3 | $575,000 | $191,000 | $235,000 | $67,000 | $90,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $125,000 | $125,000 | $125,000 | $50,000 | $50,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,066 | $166,440,000 | $156,000 | $2,255,000 | $101,000 | $1,580,000 |
| Application Withdrawn By Applicant | 88 | $12,020,000 | $136,000 | $705,000 | $85,000 | $390,000 |
| Application Denied By Financial Institution | 8 | $430,000 | $53,000 | $105,000 | $33,000 | $82,000 |
| Application Approved But Not Accepted | 1 | $145,000 | $145,000 | $145,000 | $53,000 | $53,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,155 | $178,605,000 | $154,000 | $2,255,000 | $100,000 | $1,580,000 |
| Collateral | 2 | $100,000 | $50,000 | $55,000 | $53,000 | $82,000 |
| Unverifiable Information | 2 | $50,000 | $25,000 | $35,000 | $20,000 | $40,000 |
| Other | 1 | $35,000 | $35,000 | $35,000 | $0 | $0 |
| Debt-To-Income Ratio | 1 | $105,000 | $105,000 | $105,000 | $23,000 | $23,000 |
| Employment History | 1 | $95,000 | $95,000 | $95,000 | $31,000 | $31,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $45,000 | $45,000 | $45,000 | $31,000 | $31,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Vibrant Credit Union's 2021 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Vibrant Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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